Take Control of Your Credit Score Today
Our proven FCRA-compliant dispute process has helped hundreds of clients remove inaccurate negative items and rebuild their credit. Professional results without the professional price tag.
How Consumer Coach Program Works
Our streamlined process makes improving your credit simple and stress-free
Create Your Account
Sign up and complete your profile. Upload your credit report or let us pull it for you.
- Secure account setup
- Document upload portal
- ID verification
Free Credit Analysis
We analyze your credit report and identify all negative items that can be disputed.
- AI-powered scanning
- Negative item detection
- Personalized strategy
Custom Dispute Letters
We generate professional dispute letters tailored to each negative item using proven strategies.
- FCRA-based disputes
- Multiple dispute methods
- Documents embedded
Track Your Progress
Monitor your disputes in real-time and watch your credit score improve month after month.
- Real-time dashboard
- Score tracking
- Mobile notifications
Our Dispute Methods
We use multiple FCRA-compliant strategies to maximize your results
Identity Theft Block
FCRA §605BIf you've been a victim of identity theft, we can block fraudulent accounts from your credit report within 4 business days. This is the fastest method available.
- 4-day deadline for bureaus
- Requires FTC Identity Theft Report
- Highest success rate
Standard Dispute Process
FCRA §611The traditional 3-round dispute process. We challenge inaccuracies, demand verification, and escalate when bureaus fail to respond properly.
- 30-day investigation period
- Multiple rounds available
- Escalation to CFPB/AG
Human Trafficking Block
FCRA §605CFor victims of human trafficking, we can block negative items resulting from trafficking activity. Strict documentation required but highly effective.
- Specialized process
- Victim documentation required
- Permanent block
CFPB Complaint Escalation
When bureaus don't respond properly, we file complaints with the Consumer Financial Protection Bureau to force compliance.
State Attorney General
We escalate to your state's Attorney General when federal complaints don't produce results.
Federal Lawsuit Support
For willful violations, we document everything needed for potential FCRA lawsuits seeking damages up to $1,000 per violation.
Advanced Consumer Coach Technology
Using the latest FCRA updates and compliance strategies for maximum results
40-Day Attack Cycle
Automated dispute cycling every 40 days. Most people stop after Round 1—we keep attacking until items are removed.
- Round 1: Initial disputes
- Round 2: Escalation letters
- Round 3+: CFPB complaints
Metro 2 Compliance Attacks
Reference specific Metro 2 data format requirements that bureaus must follow. Non-compliance = deletion.
- Payment History Profile verification
- Date of First Delinquency challenges
- Account Type Code disputes
Multi-Bureau Discrepancy Detection
When bureaus report different info for the same account, that's a high-priority error under 2026 FCRA rules.
- Cross-bureau comparison
- Balance mismatch detection
- Date inconsistency alerts
Secondary Bureau Attacks
Dispute with LexisNexis, Innovis, and CoreLogic—not just the big 3. More pressure = faster results.
- LexisNexis disputes
- Innovis challenges
- CoreLogic attacks
CFPB Complaint Generation
When bureaus don't respond properly, we auto-generate CFPB complaints with all required documentation.
- Federal complaint filing
- Violation documentation
- 15-day response deadline
Personal Info Cleaning
Wrong addresses, names, SSNs create fragmented files. Clean these FIRST for 30-50% better dispute success.
- Address correction letters
- Name dispute templates
- Identity alignment
Deadline Tracking
Never miss a response deadline. We track FCRA timelines and alert you when bureaus are overdue.
- 4-day ID theft blocks
- 30-day investigations
- Auto-escalation alerts
Smart Letter Generation
AI-powered dispute letters with embedded documents, proper formatting, and legal citations.
- DOCX + PDF output
- Document embedding
- FCRA citations built-in
Negative Items We Can Dispute
If it's inaccurate, unverifiable, or incomplete - we can help remove it
Choose Your Path
Transparent pricing with no hidden fees. Cancel anytime.
- Credit audit & analysis
- 5 custom dispute letters
- Template library access
- Video training course
- Ongoing support
- CFPB escalation
- Everything in DIY
- Unlimited dispute rounds
- CFPB complaint filing
- Dedicated case manager
- Real-time progress tracking
- Money-back guarantee
- Everything in Full Service
- Identity theft restoration
- Credit monitoring included
- Priority support
- Monthly strategy calls
- Business credit setup
Ready to Fix Your Credit?
Join hundreds of clients who have improved their credit scores with our proven FCRA-compliant process.
What Our Clients Say
Real results from real people
"Consumer Coach helped me remove 7 collections from my report. My score jumped 127 points in just 3 months. I couldn't be happier!"
"The identity theft block process was exactly what I needed. They removed fraudulent accounts in just 6 days. Professional and thorough."
"I was skeptical at first, but they delivered. My bankruptcy came off 5 years early thanks to their Metro 2 compliance attacks."
Frequently Asked Questions
Answers to common questions about our services
Ready to Get Started?
Have questions? We're here to help. Fill out the form and we'll get back to you within 24 hours.